About Us
About UBL

About Us

Founded in 1959, United Bank Limited (UBL) leads the banking and financial services sector in Pakistan.

UBL operates one of the largest branch networks in Pakistan with over 1,360 branches and 1,440 ATMs along-with the Bank’s branchless banking proposition, UBL Omni spread all over the country. The network is augmented by the Bank’s award winning and industry leading Digital Banking services, which together serve over 11 million customers nationwide. UBL remains the preferred partner to the Pakistani diaspora with a leading market share within the home remittance space. The Bank is a key partner in SBP’s Roshan Digital initiative.

UBL’s Digital Banking Services continue to be the hallmark in the Pakistani banking space. With its digital transformation strategy, the Bank is actively delivering innovative digital solutions and providing easy access to financial services in a seamless and convenient manner. The Bank’s digitally registered customer base now stands at over 4.1 million customers.

UBL Ameen Islamic Banking continues to build on the momentum with strong results. UBL Ameen’s branch network at 212 branches is further supported by over 500 Islamic Banking Windows within conventional branches. The Bank is actively building up its scale and presence for its Islamic Banking customers.

UBL has been recognized as one of Pakistan most progressive and innovative banks, with a brilliant line-up of domestic and international recognitions and awards. In 2023, UBL was awarded ‘Best Bank for ESG in Pakistan’ by Asiamoney, having also been awarded ‘Best Bank for Digital Solutions’ by Asiamoney in 2022 for three consecutive years. Furthermore, the Bank also received the coveted ‘Top 25 Companies for the Year 2022’ by Pakistan Stock Exchange, along with ‘Most Innovative Partnership in Pakistan’ by Mastercard MENA East Business Forum and the award for ‘Mobile Banking & Payment Initiative of the Year – Pakistan’ by Asian Banking and Finance.

VIS Credit Rating Company ltd. (VIS) has reaffirmed the entity ratings of UBL at ‘AAA/A-1+’ (Triple A / A-One Plus). The Bank is listed in Pakistan, with its Global Depository Receipts (GDRs) on the list of the UK Listing Authority and London Stock Exchange Professional Securities Market. It is a subsidiary of Bestway (Holdings) Limited which is incorporated in the United Kingdom.

As a progressive and innovative institution, UBL has taken lead in financial inclusion and economic development of Pakistan through introduction of user-friendly financial products and services based on modern technology. As an institution UBL will always endeavor to deliver best in class services to our valued customers whom we are privileged to serve.

About Bestway Group

Bestway Group is a diversified multinational family-owned business with annualized turnover in excess of £4.5 billion. Starting off as a chain of retail convenience stores, the Group has grown to become a diversified multinational business with interests across the wholesale, pharmacy, real estate, cement and banking sectors. The Group is also the largest overseas investor in Pakistan. Owned by the Pervez, Choudrey and Sheikh families, Bestway Group was founded in 1976 by Sir Anwar Pervez OBE HPk, who remains Chairman. Serving over 12 million customers and employing over 28,000 individuals, the Group supports and serves communities through its operations across the UK, Pakistan and the Middle East.

The Bestway Group consists of:

  • Bestway Wholesale – UK’s largest independent wholesaler
  • Well Pharmacy – UK’s largest independent retail pharmacy chain
  • Real Estate – A UK investment property portfolio
  • Bestway Cement Limited – Pakistan’s largest cement manufacturer with the Region’s largest installed solar power capacity
  • United Bank Limited – Pakistan’s 3rd largest bank
  • Bestway Foundation – A charitable foundation